When is the disbursement time? Upon signing the loan?

These are usually 3%, the interest rate definitely won't rise that much this year. But as always, it's all speculation.

It makes a big difference whether I pay 3% provision or 0.5% more over 20 years because interest rates might have risen by then.

Certainly, we still need 5-6 weeks to determine a house price with a detailed breakdown; at least the decision for an architect or a general contractor should be made this or next week. We have received offers in the meantime. I do not want to finance separately due to the risk. The consulting financial broker also advised against it. We do not have enough time to pay off a large part of the land before the house arrives, so this will probably not be considered as equity.

We don't have enough time to pay off most of the property before the house arrives, so it probably won't be considered as equity.

As far as I know, that doesn't matter.

I do not want to finance separately because of the risk. The financial advisor also advised us against it. We don't have enough time to pay off most of the land before the house arrives, so it is rather not counted as equity.

Yes, for many brokers this is simply not the typical routine business.

Hmm, ok so a separate financing after all? Where would be the best place for the equity to flow in?

Where would the equity best flow in then?

Into the property and buffer for the house